Job Overview

The Risk Survey Manager is responsible for conducting comprehensive surveys and inspections on insured assets to assess risk exposure, validate claims, and support
underwriting and claims decisions. This role plays a critical part in loss adjustment, risk
assessment, and the technical evaluation of claims in line with insurance industry standards.
The Risk Survey Manager will work closely with the claims, underwriting, and risk teams to ensure that surveys and reports are accurate, timely, and aligned with policy terms and regulatory standards.

Key Responsibilities

1. Pre-Insurance and Risk Surveys

• Conduct physical inspections of proposed insured assets (properties, vehicles,
  industrial equipment, etc.) to evaluate insurability and risk exposures.
• Prepare detailed pre-insurance survey reports, including recommendations for
  underwriting and risk mitigation.
• Assess compliance with safety standards, environmental controls, and regulatory
  guidelines.

2. Claims Investigation and Loss Assessment

• Investigate insured losses by visiting incident sites, gathering facts, and inspecting
  damaged assets, and interviewing stakeholders.
• Provide technical evaluation and validation of loss claims to support accurate
  settlement decisions.
• Estimate the extent of damage or loss and prepare an independent loss assessment report.

3. Report Writing and Documentation

• Prepare professional, clear, and factual survey and loss assessment reports in line with internal templates and regulatory expectations.
• Maintain comprehensive and accurate documentation for each survey or inspection conducted.
• Recommend settlement strategies based on survey findings and policy coverage
  terms.
  

4. Coordination and Liaison

• Liaise with policyholders, brokers, service providers (e.g., garages, contractors), and third-party assessors to gather information and validate claims or asset conditions.
• Work with the underwriting and claims teams to align survey outcomes with risk
  acceptance guidelines and claims adjudication policies.
  

5. Compliance and Standards

• Ensure all survey activities are conducted in accordance with NAICOM regulations, industry best practices, and company policies.
• Maintain ethical standards and impartiality in all inspection and assessment processes.
• Keep updated on emerging trends, tools, and technologies in surveying and
  insurance risk evaluation.
  

6. Technical Support, Database Management and Advisory

• Provide technical advice on asset condition, repair estimates, and restoration viability to claims and underwriting teams.
• Support complex or disputed claims with expert analysis and technical evidence.
• Assist in identifying fraudulent claims through detailed technical inspections.
• Maintain a central repository of completed survey reports and historical assessments for reference and analysis.
• Generate insights from survey findings to support risk profiling, pricing strategies, and operational improvement.
  

7. Data Protection & Confidentiality

• Uphold the highest standards of confidentiality in handling company-related
  information, ensuring compliance with data protection laws and internal policies.
• Adhere to the company’s information security guidelines, including proper storage, transmission, and disposal of sensitive materials.
• Promptly report any suspected data breaches or unauthorized access to the
  appropriate company authority.
• Participate in periodic data protection training to stay informed about evolving
  security risks and best practices.
  

8. General Assignment

• Execute any other duties and tasks that may be designated or assigned by the
  Company.
• Participate in the knowledge sharing programme of the department and the
  company
• To provide support to your manager, Managing Director, and Vice Chairman as may be required towards serving the Board, Management, and staff members.

Required Skills and Qualifications

1. Education:

• Bachelor’s degree in Mechanical Engineering, Civil Engineering, Insurance, or a related technical field.
• Relevant professional certifications in loss adjusting or surveying are an added
  advantage.
  

2. Experience:

• 5–10 years of hands-on experience in insurance surveying, loss adjustment, or technical claims evaluation, preferably within the insurance or loss adjusting sector.
  

3. Skills and Competence:

• Strong technical expertise in damage assessment and asset inspection.
• Excellent report writing, documentation, and analytical skills.
• Sound knowledge of insurance operations, policies, and claims processes.
• High attention to detail and ability to work independently in the field.
• Effective communication and stakeholder management skills.
• Familiarity with relevant industry codes, safety standards, and NAICOM
  guidelines.
  

KPIs and Performance Metrics:

1. Turnaround time for survey and inspection reports (Target: ≤3 working days).
2. Accuracy and completeness of survey documentation (Target: 100% compliance).
3. Claims validation accuracy vs. final pay-out ratio.
4. Client and stakeholder feedback ratings on survey professionalism.
5. Number of risk recommendations adopted by underwriting.
6. Percentage of disputed claims resolved with technical survey support.